Comprehensive coverage
Updated for plan year 2026
In plain terms
Comprehensive coverage pays for damage to your own car from events other than a collision: theft, vandalism, fire, hail, flood, falling objects, and hitting an animal. Like collision it is optional unless a lender requires it, is subject to a deductible, and pays only up to the car's value.
A plain example
A hailstorm dents your roof and hood, and a deer cracks your windshield the same month. Comprehensive covers both repairs, minus your deductible for each claim.
Why it matters
Comprehensive is usually cheaper than collision and covers the losses you can't prevent by driving carefully. On an older car, though, the same 10%-of-value test applies before you keep paying for it.